Customers Bancorp (CUBI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Customers Bancorp

NYSE•Financial Services•Banks - Regional

$78.14-0.69(-0.01%)Pre-market

Market Cap

$2.64B

P/E

9.0x

P/S

2.9x

P/B

1.2x

Customers Bancorp, Inc. operates as the bank holding company for Customers Bank that provides banking products and services for commercial and consumer clients. It accepts various deposit banking products, including commercial and consumer checking accounts, non-interest-bearing and interest-bearing demand accounts, MMDA, savings accounts, and time deposit accounts. The company also offers commercial lending services comprising small and middle market business banking, specialized lending, mortgage finance, multifamily and commercial real estate lending, and commercial equipment financing; and consumer lending services, such as local-market mortgage and home equity lending, and the origination and purchase of installment loans. In addition, it provides private and digital banking services; and other financial services consisting of mobile phone banking, internet banking, wire transfers, electronic bill payment, lock box services, remote deposit capture services, courier services, merchant processing services, cash vault, controlled disbursements, positive pay, and cash management services, as well as B2B instant payments platform. The company was founded in 1997 and is headquartered in West Reading, Pennsylvania.

How this company scores

ExcellentMetricSide Score: 81/100

Strongest: Profitability (23/25); weakest: Cash & Earnings Quality (18/25).

Profitability23/25

Growth22/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality18/25

Strengths

Growing revenueStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.0x5y range 2.8x – 12.6x

Currently above its 20-quarter median.

P/S · 2.9x5y range 0.9x – 3.1x

Currently above its 20-quarter median.

P/B · 1.2x5y range 0.4x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 7.1% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $2.64B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $922.12M
Q. Revenue: $227.41M
TTM EBITDA: $883.02M
TTM Op. Income: $826.80M
Q. Op. Income: $204.34M
TTM Net Income: $291.45M
Q. Net Income: $71.56M
EPS: $2.12
Shares Out.: $33.80M

$922.12M in TTM revenue grew 34.9% YoY, reaching $227.41M last quarter. TTM EBITDA of $883.02M and TTM operating income of $826.80M show growth is flowing through to the bottom line. TTM net income of $291.45M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 33.5%
EBITDA Margin: 96.0%
Op. Margin: 89.9%
Net Margin: 31.5%

Op. margin of 89.9% is down 0.1% YoY — costs are rising relative to revenue. Net margin at 31.5% and gross margin of 33.5% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 0% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.0x
P/S Ratio: 2.9x
P/B Ratio: 1.2x

At 9.0x P/E, the stock trades below typical market levels. P/S of 2.9x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 28% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $26.52B
Cash: $4.18B
Long-Term Debt: $171.74M
Book Value: $2.21B
D/E Ratio: 0.1
Debt/EBITDA: 0.8

With $26.52B in assets and $171.74M in long-term debt, D/E is 0.1and book value is $2.21B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $107.30M
TTM Free Cash Flow: $366.59M
FCF Margin: 39.8%
FCF / Net Income: 1.3

TTM FCF of $366.59M on $107.30M in operating cash flow. The FCF / Net Income ratio of 1.3x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 3 consecutive quarters — a weakening trend.